92 Lake Front Dr N, Hernando, MS 38632 Property Records

DeSoto County property record for 92 Lake Front Dr N, Hernando, MS 38632

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,074 sqft · built 2009
Lot Size	0.275 acres (12,004 sqft)
Owner	Individual Name on Record
Tax Bill	$807 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3-08-1-12-02-1-00003-00`

Property Details

APN / Parcel Number

Primary APN	`3-08-1-12-02-1-00003-00`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,074 sqft Adjusted Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	12,004 sqft (0.275 acres)
Lot Dimensions	130 ft deep x 92 ft wide

Location & Zoning

Street Address	92 LAKE FRONT DR N
City	HERNANDO
State	MS
Zip	38632-1462
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-12
Legal Description	HERNANDO POINTE LOT 3
Legal Range	08
Legal Township	03
Legal Section	12
Legal Quarter	NW
Legal Subdivision	HERNANDO POINTE
Legal Lot Number	3
Jurisdiction	DESOTO MS
Township / Civil Division	5
Census Block Group	2
Census Block	2000
Census Tract	71121

Owner

Source: DeSoto County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	92 LAKE FRONT DR N, HERNANDO, MS 38632-1462
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Warranty Deed, Transfer · USDA Mortgage USDA
Feb 7, 2022	Deed of Trust, Mortgage · Commercial Mortgage GUARANTY BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2023
Deed Sale	Feb 21, 2023
Prior Sale	May 29, 2013
Deed Document Number	0010232453
Deed Book / Page	1023 / 2453
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	Feb 21, 2023
Property Address	92 LAKE FRONT DR N, HERNANDO, MS 38632-1462
Document Number	01023/2453
Book / Page	1023 / 2453
Map Reference	MB 90 PG 33&34
Instrument Date	Feb 17, 2023
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	UNITY TITLE GROUP LLC, QUALITY TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4524 ROWSEY CROSSING DR, HERNANDO, MS 38632-1053

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	92 LAKE FRONT DR N, HERNANDO, MS 38632-1462

Mortgage

Document Number	0056609721
Date	Feb 21, 2023
Instrument	5660/9721

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Feb 17, 2056

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	92 LAKE FRONT DR N, HERNANDO, MS 38632-1462
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 LAKE FRONT DR N DR, PADENVILLE, MS 38862

Mortgage

Document Number	005459/740
Date	Feb 7, 2022
Book Page	5459/740

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank
Address	HERNANDO, MS 38632

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 1, 2023

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Municipality	Hernando City
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$807.00 (-59.69%)	$14,432 (-) Land $3,000 Building $11,432	$144,315 (-) Land $30,000 Building $114,315
2023	$2,002.00	$14,432	$144,315 Land $30,000 Building $114,315

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 84% of Mississippi
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF HERNANDO-JAYBIRD private · serves 6,750 people · EPA ID MS0170002
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
C Spire Wireless Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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